Privacy Policy
This policy is pending legal review. It describes how this site handles your information today, written from a direct reading of what the software collects and which companies receive it. It has not been reviewed or approved by an attorney, and it may be updated once our legal counsel has read it.
Who this covers
This site is used by mortgage loan officers and their companies to prepare loan options and to stay in touch with the people they help. If a loan officer sent you a link to this site, the company that loan officer works for is responsible for your information, and beapbeap, Inc. operates the software on their behalf.
For loan officers: read "Artificial intelligence" below. It names the outside companies that receive the documents your borrowers upload and the questions you type into the help assistant. That section is about your work as much as it is about them.
What we collect
- Contact details: your name, phone number, email address and property address.
- Identity, if you apply: your Social Security number, date of birth, citizenship status, marital status, number of dependents, your tax filing status, whether you have served in the military, and your government identification such as a driver's license, passport or state identification card. Your Social Security number, date of birth and identification number are encrypted when they are saved to your file. Some records saved before that encryption was switched on are still unencrypted, and the unchanged copy of a marketing partner's submission described under "How you reached us" can hold your date of birth unencrypted.
- Where you have lived: your current address, whether you own or rent it and what you pay, how long you have lived there, and your previous address if you moved recently.
- A co-borrower: if someone applies with you, we collect the same information about them that this list describes for you.
- Government required demographics: your ethnicity, race and sex. Federal mortgage reporting law requires the lender to ask. You may decline, and declining does not affect your application. These answers are not always stored with the extra encryption described above.
- Property: the address, property type, whether you will live in it, its estimated value, and any loan already secured on it including the current lender and the balance. If you own other real estate, we collect the same for each property: its address, value, how it is used, any rental income, its costs, and the mortgages on it.
- Employment and income: your employer, job title and start date, whether you are self employed, and your income itemized by source: base pay, overtime, bonus, commission, dividends, net rental income, Social Security, pension, child support and other income.
- Assets and debts: the institution, account type, last four digits of the account number and balance for each asset; and the creditor, last four digits, monthly payment and unpaid balance for each debt. For each asset and debt you list, we store the last four digits of the account number. If you upload a mortgage statement, we also keep your current loan's full account number, encrypted.
- The loan you want: amount, down payment, term and rate.
- Credit: a credit score or credit grade that you tell us or that a lead partner passes to us, and a record that you authorized a credit check and when. We do not obtain your credit report ourselves: this product has no connection to Experian, Equifax, TransUnion or any other credit bureau. If your loan officer applies to Aven for you (see "Service providers"), we also keep the result Aven sends back, including its decision, the credit score from its soft check, the credit line offered, the loan to value ratio and any reasons it gives for declining.
- Declarations: your answers to the standard mortgage application questions, such as any bankruptcy, foreclosure, lawsuit or unpaid judgment, any delinquent federal debt, and how you will hold title to the property.
- Documents you upload and the information read out of them: pay stubs, W-2 forms, tax returns, bank statements, mortgage statements, insurance pages and photographs of your identification. Please read "Artificial intelligence" below, because these files are sent to an outside company to be read.
- Your messages and calls with your loan officer through this site, including the contents of text messages and emails and a record of how each call ended. Calls may be recorded, and a recorded call does not announce that it is being recorded.
- Technical information: your internet address and your browser's identifying string, stored alongside an electronic signature or consent so we can show when and from where it was given, and in our internal record of who changed what. See "Cookies" for how page visits are measured.
- How you reached us: if you came through a marketing partner or an advertisement, we keep their original submission about you exactly as they sent it. It can contain advertising identifiers, the page you filled in, the site that referred you, and the consent wording you were shown. We keep it unchanged because it is the evidence of what you were actually told.
How it is used
- To prepare and show you loan options.
- To contact you about your inquiry by text message, email and phone.
- To keep a record of your conversation so your loan officer can help you.
- To read the documents you upload, so the figures do not have to be typed in by hand.
Artificial intelligence
This site uses outside artificial intelligence services. We name them rather than calling them "AI service providers", because the fact that matters is that your information goes to a company you did not choose.
The most important thing on this page. When a document is uploaded here, the file itself is sent to an outside company to be read. Not a summary of it, and not a few fields taken out of it: the actual file. So the pay stub, W-2, tax return, bank statement or photograph of your driver's license that you upload is transmitted to Anthropic, which reads it and returns the information on it. If that fails, the same file is sent instead to Microsoft Azure Document Intelligence to be read there. If you would rather your documents were not processed this way, tell your loan officer before you upload anything and send them another way.
- Anthropic reads uploaded documents, as above, and figures read from them, such as your income or your current loan balance, can be filled into your file. It also answers a loan officer's questions about using this software, which sends Anthropic what the officer types.
- Microsoft Azure Document Intelligence is the fallback document reader. When the reading above fails, your document is sent here instead.
- This software also has a feature that uses Anthropic to draft a loan officer's replies to your text messages and emails. It is switched off as of the date of this policy. If it is switched on, it sends Anthropic your name, your new message and the last six messages of your conversation, and a loan officer can let those drafts be sent to you automatically.
No decision about whether you are offered a loan, or on what terms, is made by an artificial intelligence service here. Loan options are worked out by your loan officer and by fixed pricing rules, which use the figures in your file, including any that were read from your documents.
Text messages
Reply STOP to any text message to stop receiving texts. Your request is recorded, and the automated texts, calls and emails this site sends you stop. Stopping texts does not stop your application.
Service providers
We use service providers to run this site on our behalf. They process your information only to provide those services:
- Cloudflare carries and protects the connection to this site's main web address, so everything sent between your browser and that address passes through it, including what you type into a form.
- Microsoft Azure runs the site and stores its data, including the database, the file storage your documents sit in, sign in, and error and usage monitoring.
- Our text messaging and calling carrier delivers text messages and carries calls, so it receives phone numbers, message contents and call records.
- Infobip provides the telephone built into a loan officer's browser, so it receives call audio and the numbers on a call.
- Resend sends our system email and receives email replies, so it receives the addresses and the contents. An email your loan officer sends you from the site may instead go out through their own mailbox, in which case their own mail provider handles it.
- Google supplies the typefaces many of our pages load, so when you open one of those pages your browser sends Google your internet address and browser details. This software can also show a picture of a property from Google, which sends Google the property address; that feature is switched off as of the date of this policy.
- jsDelivr, a public code delivery service, supplies the measurement code described under "Cookies", so it receives your internet address when a page loads that code.
- Make and ClickUp receive the problem reports our staff and loan officers send us, which can include details from the page they were looking at.
- Stripe processes card payments for a loan officer's own account and messaging charges. Stripe receives no borrower information.
- The artificial intelligence services named above: Anthropic and Microsoft Azure Document Intelligence.
If your loan officer applies for a loan product on your behalf with our partner lender Aven, your loan officer must first confirm that you gave them your information intending to apply and that you acknowledge a soft credit check. The application is then sent to Aven: your name, phone number, email address, home address, stated annual household income, date of birth and, if your loan officer enters it, your Social Security number, together with that confirmation and your loan officer's license number. Aven runs that check, not us. A soft check does not affect your credit score. Your Social Security number is passed to Aven at that moment and is not stored by us. Your date of birth is stored, encrypted, on your file if the file did not already have one.
Your loan officer, their company, and the lender they submit your application to also see your information. That is the purpose of sending it.
Keeping and deleting information
When your record is deleted it is hidden immediately, and it can be restored for 30 days. After that it can no longer be restored, and it stays hidden. To have it erased completely, email dev@beapbeap.ai with proof that the record is yours. We confirm with your lender before we erase it.
Deleting the record does not remove everything connected to it. Your loan application, the documents you uploaded and your message history are stored separately, and deleting the record does not delete them. We would rather tell you that than let "delete" sound like something it is not. Our database backups can also hold a copy for up to 7 days after a deletion, and our system logs, which are kept for 30 days, can also refer to it.
To ask for your information to be updated or deleted, contact your loan officer or write to us at the address below. Depending on where you live you may have a legal right to a copy of your information or to have it deleted, and a deletion request may be limited by records a lender is required by law to keep.
Cookies and measurement
This site uses cookies to keep you signed in, to open the page your loan officer sent you, and to protect its forms. If you arrived through a partner's link, a cookie remembers which partner sent you for 90 days.
The pages your loan officer sends you also use Microsoft Application Insights to measure how they load and to catch errors. It records the pages you view and sets two cookies that recognize your browser across visits (ai_user and ai_session). This policy page does not load it.
Emails sent from this site can contain a small tracking image and tracked links, so this site records when an email was opened and which links were clicked.
Questions
Contact the loan officer or company that sent you the link, or write to us directly:
beapbeap, Inc.FlowAg Privacy
3750 S Susan St
Santa Ana, CA 92704